Title 15 1691i (b) · Sacred Wealth Systems-Fundops

Title 15 1691i (b)

Debt collectors want you to believe they can sue you whenever they want. The truth is that 15 U.S.C. § 1692i(b) says the FDCPA does not give debt collectors the authority to bring legal action on its own.

That means a collection agency cannot simply decide to sue you. They must have a valid legal basis under your state law and be able to prove they have the right to collect the debt. They should be able to show a signed agreement, proof the debt belongs to you, a full account history, and proof that they legally own or were assigned the account.

They also must file the lawsuit in the proper court. Under federal law, a debt collector generally must sue you in the county where you signed the contract or where you currently live. If they sue you somewhere else, they may be violating the law.

Do not ignore a collection lawsuit. Make them prove every part of their case. Many people lose not because the debt collector was right, but because they never responded.

Knowledge is power. Know your rights and protect your future.

#SacredWealthSystems #FDCPA #DebtCollection #ConsumerRights

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